Blog Posts in 2017

Congratulations to founding partner, Nadia Pazos, Esq. and Pazos Law Group, P.A., on the expansion of the firm to Boca Raton. Senior Associate, Emerald Williams, Esq. will be leading the Boca Raton office located at 2500 North Military Trail, Suite 120. Ms. Williams brings a wealth of family law experience and an extensive litigation background which she gained while working as a senior assistant ...

After filing for bankruptcy, you will need to begin rebuilding your credit. It can feel like a huge task and may take many months, but it is possible to repair your credit after bankruptcy. Learn what you can do to repair your credit, and start regaining control of your finances today. Learn About Your Current Borrower Risk After you file a Chapter 7 bankruptcy, you will have a clean financial ...

If you are being faced with foreclosure, you may have many questions. This can be a confusing and challenging time, but our South Florida foreclosure attorneys are here to help. Learn more about the Florida foreclosure process with these commonly asked questions. What is Foreclosure? Foreclosure is what occurs when a homeowner fails to make payments on their mortgage. The bank or financial ...

In Florida, tropical storms are a potential threat for every homeowner. These storms can range in severity and duration, resulting in damage to homes and possessions, and threatening the lives of those in the storm’s path. After the storm has passed, you may need to file a claim with your homeowner’s insurance company to get financial compensation for the damages your home sustained. For many ...

Divorce involves humans with all of our complexities and emotions. The divorce legal process, on the other hand, seems anything but human at times. This deficiency created the need for a better legal process to help families facing divorce. Collaborative divorce is a human-centered process that, much like most positive advancements in society, in hindsight, just seems like common sense. Why was ...

Whether it is storm/wind damage, flood/pipe leaks, marine damage or fire damage, at Pazos Law Group, we’ve got you covered. Literally! Here are 4 reasons why your insurance claim be underpaid or denied. It is not in your insurance company’s best interest to settle your claim for the highest dollar amount possible. Their in-house adjusters look out for the company FIRST! Their adjusters marching ...

How Properly Inventorying Personal Property Can Expedite The Claims Process. If your home has been damaged by a flood, fire, windstorm or any other disaster, it will be critical for you to provide your insurance company with a detailed description of your loss. If you wait until after a catastrophe has hit to inventory your valuables, and put together a detailed list of your possessions...you may ...

A public adjuster is an expert that has either worked for an insurance company or has apprenticed with a licensed public adjuster. A public adjuster is an insurance claims specialist who will dig through your policy, asses the damages to your property, draft and estimate using insurance standards for the costs of repair and will negotiate with the insurance company to resolve the claim for the ...

Property owners usually associate the filing of an insurance claim with hurricane or tropical storm related damage. However, many policyholders are unaware that you do not need to go through a major storm to sustain significant damage to your home/business. Every day, insureds across the state sustain damage from plumbing failures, faulty dishwashers, fires, vandalism and other sudden and ...

As someone who speaks to people daily that are contemplating divorce, I found myself very curious about whether studies have been done about whether people who have chosen to divorce are happy with the decision or not. Afterall, people usually question themselves for months or years before reaching a decision about divorce. So, once the decision has been made to divorce, do most people end up ...

Every year thousands of roofs in Florida sustain substantial damage from wind, hail, lightning or other debris. Many policyholders do not inspect their roof and are unaware of damage until a leak is evident. Whether you own a business or a home, it is imperative that you hire a professional to inspect your roof regularly and after a storm. If you have discovered damage to your roof following a ...

Day after day, I receive questions from clients regarding their insurance policy and what does it cover. In Florida, insurers write two types policies: named peril policy and an all risky policy (a/k/a comprehensive policy). Each policy is different and to determine which is better, varies on a claim by claim basis. You make be asking which policy is better? In a nutshell, here is how they differ: ...

In Florida, Fla. Stat. § 627.7013(5)(a) states that a policyholder should receive a coverage decision (i.e. payment or a denial) within 90 days after the insurance company receives notice, unless there are factors that exist beyond the control of the insurance company for not making a decision. Policyholders should mark 91 days on their calendar from the date they reported their claim. Almost ...

Every year, various catastrophic weather events impact Florida causing extensive damage to homes and businesses. Whether it may be a tornado in North Florida, hail and wind damage near Tampa, or a hurricane, many residents are unsure on what to do or how to report a claim to their insurance company. Well your in luck! This blog, will provide you with helpful tips in reporting a claim to your ...

Many if not every homeowner does not know what to when their claim is denied or drastically underpaid by their insurance company. Every day, a new client of ours is shocked that we do not bill our clients hourly to represent them in battling their insurance company. This is where Florida Statue § 627. 428 kicks in. This statute allows that when an insured prevails in a lawsuit for a denied or ...